The information contained in this document is proprietary to MasterCard International Incorporated, one or more of its affiliated entities (collectively “MasterCard”), or both.
Trademarks
Trademark notices and symbols used in this document reflect the registration status of MasterCard trademarks in the United States. Please consult with the Customer Operations Services team or the MasterCard Law Department for the registration status of particular product, program, or service names outside the United States.
All third-party product and service names are trademarks or registered trademarks of their respective owners.
Disclaimer
MasterCard makes no representations or warranties of any kind, express or implied, with respect to the contents of this document. Without limitation, MasterCard specifically disclaims all representations and warranties with respect to this document and any intellectual property rights subsisting therein or any part thereof, including but not limited to any and all implied warranties of title, non-infringement, or suitability for any purpose (whether or not MasterCard has been advised, has reason to know, or is otherwise in fact aware of any information) or achievement of any particular result. Without limitation, MasterCard specifically disclaims all representations and warranties that any practice or implementation of this document will not infringe any third party patents, copyrights, trade secrets or other rights.
Translation
A translation of any MasterCard manual, bulletin, release, or other MasterCard document into a language other than English is intended solely as a convenience to MasterCard customers. MasterCard provides any translated document to its customers “AS IS” and makes no representations or warranties of any kind with respect to the translated document, including, but not limited to, its accuracy or reliability. In no event shall MasterCard be liable for any damages resulting from reliance on any translated document. The English version of any MasterCard document will take precedence over any translated version in any legal proceeding.
Information Available Online
MasterCard provides details about the standards used for this document—including times expressed, language use, and contact information—on the Publications Support page available on MasterCard Connect™.
The Rules in this manual pertain to the processing of Transactions. As used herein, a Transaction means a transaction resulting from the use of a MasterCard, Maestro, or Cirrus Card, as the case may be.
The below table describes the applicability of the Rules for particular types of Transactions. Please note that the term “POS Transaction” refers to a Transaction that occurs at a Merchant location, whether in a Card-present environment at an attended or unattended POS Terminal, or in a Card-not-present environment. In a Card-not-present environment, this may include electronic commerce (“e-commerce”), mail order, phone order, or recurring payment Transactions.
Rules relating to… Apply to…
MasterCard POS Transactions A POS Transaction conducted with a MasterCard Card. Maestro POS Transactions A POS Transaction conducted with:
• A Maestro Card, or
• A MasterCard Card issued using a BIN identified by the Corporation as “Debit MasterCard” and routed to the Single Message System. ATM Transactions A Transaction conducted with a MasterCard, Maestro, or Cirrus Card at
an ATM Terminal and routed to the Interchange System. Manual Cash Disbursement
Transactions
A cash withdrawal Transaction conducted at a Customer financial institution teller with:
• A MasterCard Card, or
• A Maestro or Cirrus Card at a PIN-based In-Branch Terminal and routed to the Interchange System.
MasterCard Electronic Transactions
A POS Transaction conducted with a MasterCard Electronic Card at a MasterCard Electronic Merchant.
MasterCard Mobile Remote Payment (MMRP) Transactions
A POS Transaction performed by an enrolled consumer using a mobile device registered by the Issuer or its Service Manager and having MasterCard Mobile Remote Payment functionality. The consumer, as a MasterCard or Maestro Cardholder, initiates and authenticates payments by entering a PIN or mobile-specific credentials on the mobile device. Payment Transactions A Transaction that transfers funds to an Account. A Payment
Transaction is not a credit that reverses a previous purchase. Includes
terminology in a plain manner that will be generally understood in the payments industry.
Variations and Additions to the Rules for a Geographic Area
Variations and/or additions to the Rules are applicable in geographic areas, whether a country, a number of countries, a region, or other area. In the event of a conflict between a Rule and a variation of that Rule, the variation is afforded precedence and is applicable. The Rules set forth in this manual are Standards and MasterCard has the sole right to interpret and enforce the Rules and other Standards.
Revised Standards for Support of Point-of-Sale Balance Inquiry,
U.S. Region Operations Bulletin, 12 February 2013
Chapter 2
Rules relating to Europe region authorization processing, as published in “Processing of Authorizations and preauthorizations in the Europe Region,” Global Operations Bulletin, 2 January 2013.
Chapter 2
Clarifications relating to Europe Region authorization processing, as published in “Clarification of Standards for Authorizations and preauthorizations in the Europe Region,” Global Operations
Bulletin, 1 October 2013.
Chapter 2
Updates to terminology used in U.S. Region Stand-In Processing rules, as published in “Revised Standards, Stand-In Reminder, and Updated Terminology for Debit MasterCard Cards,” U.S. Region
Operations Bulletin, 31 October 2013.
Chapter 2
Rules relating to a mandate for Canada Region issuers and acquirers to be able to send, receive, and process ABU data, as published in “Automatic Billing Updater (ABU) Program Participation Mandate for Canada Region,” Canada Region Operations Alert, 17 July 2008.
Chapter 2
Revised rules for mobile POS (MPOS) Terminals, as published in “Revised Standards for Mobile POS Terminals,” Global Operations
Bulletin, 1 August 2013.
Chapters 3 and 4, Definitions
Lithuania is added to the list of countries where online PIN does not need to be supported for Maestro POS Transactions, as published in “Revised Standards for Support of Offline PIN Only at Hybrid POS Terminals in Lithuania,” Global Operations Bulletin, 1 October 2013.
Chapter 3
Revisions relating to specific transaction terms, returned products, and cancelled services, as published in “Revised Chargeback Standards,” Global Operations Bulletin, 3 December 2012.
Chapter 3
Rules for processing certain Maestro transactions without PIN verification in the U.S. region, as published in “PIN-less Single Message Transactions in the United States Region,” U.S. Region
Operations Bulletin, 16 January 2013.
Chapter 4
Rules to support Maestro Contactless transit aggregation, as published in “Revised Standards for Maestro PayPass Transit Aggregation,” Global Operations Bulletin, 3 June 2013.
Rules permitting a South Africa merchant to offer the purchase with cash back transaction on any MasterCard card, including credit cards, as published in “Revised Standards for Purchase With Cash Back Transactions,” South Africa Operations Bulletin, 11 June 2013.
Chapter 4
Revised Standards for Hungary, Poland, and the Ukraine to support the sending of MasterCard® MoneySend™ transactions funded by cash or other anonymous sources, including mobile phones, as published in “Revised Standards for Mobile MoneySend,”
Hungary/Poland/Ukraine Operations Bulletin, 7 July 2013.
Chapter 6
Revisions to ATM functionality support requirements, as published in “Revised Standards—ATM Services Mandate,” Kazakhstan
Operations Bulletin, 19 April 2013
Chapter 7
Revisions to contactless support mandates in the Canada region, as published in “Revised Standards and Effective Date for Support of the Device Type Indicator and PayPass Version 3.0, Canada
Region Operations Alert, 20 June 2013.
Chapter 7
Rules relating to contactless support at POS terminals in the Europe region, as published in “Revised Standards—Support for PayPass 3.0,” Europe Region Operations Bulletin, 1 August 2013.
Chapter 7
Requirements for support of contactless payments in Italy, as published in “MasterCard Introduces Requirements for Contactless Payments Acceptance,” Italy Operations Bulletin, 11 April 2013.
Chapter 7
Requirements for support of contactless payments in Poland, as published in “MasterCard Introduces Mandate for Contactless Payments Acceptance,” Poland Operations Bulletin, 10 July 2013.
Chapter 7
EMV migration requirements are added for issuers and acquirers in Albania, Bosnia, Kosovo, Macedonia, Moldova, Montenegro, and Serbia, as published in “Revised Standards—EMV Migration Requirements for Non-SEPA Europe Region Countries,” Europe
Region Operations Bulletin, 2 January 2013.
Chapter 7
Revisions relating to the inclusion of Croatia in the European Economic Area effective 1 July 2013, as published in “Revised Standards—Accession of Croatia to the European Union,” Europe
Region Operations Bulletin, 2 January 2013.
2013 publications of the new MasterCard Rules and/or Transaction Processing Rules manuals. Please note that in the “Location in 13 December 2013 edition” columns:
• Where “MC” is indicated under “Manual”, the “Location” column shows the number of Rules in the MasterCard Rules manual, and
• Where “TP” is indicated under “Manual”, the “Location” column shows the chapter number and Rule title of Rules in the Transaction Processing Rules manual.
Location in 13 December 2013 edition of MasterCard
Rules (MC) and/or Transaction Processing Rules (TP)
Rule Title Location in 14 June 2013
MasterCard Rules Manual Location Eligibility to be a Customer 1.1 MC 1.1 Principal or Affiliate 1.1.1 MC 1.1.1 Association 1.1.2 MC 1.1.2 Interim Participation 1.2 MC 1.5 Special Conditions of Participation,
License or Activity
1.3 MC 1.4
Participation in Activity 1.4 MC 1.8 Changing Customer Status 1.4.1 MC 1.8.1 Participation and License Not Transferable 1.4.2 MC 1.8.2 Right to Sponsor Affiliates 1.4.3 MC 1.8.3 Customer Responsibilities 1.4.4 MC 2.2.1 Suspension or Amendment of
Participation, License or Activity
1.5 MC 1.5
Termination of Participation or License 1.6 MC 1.6 Voluntary Termination 1.6.1 MC 1.6.1 Termination by the Corporation 1.6.2 MC 1.6.2 Rights, Liabilities, and Obligations of
Terminated Customers
The License 2.1 MC 1.6 SEPA Licensing Program—Europe Region
Only
2.1.1 MC 1.6.1
Area of Use 2.2 MC 1.7
Extending the Area of Use 2.2.1 MC 1.7.1 Central Acquiring—Europe Region Only 2.2.2 MC 1.7.2 Transfer of Cards to India Residents is
Prohibited without a License
2.2.3 MC 1.7.3
Merchant Location 2.2.4 MC 5.7.5 Transaction Location 2.2.5 MC 5.7.6 MasterCard Anti-Money Laundering
Program
2.3 MC 1.2
Obligation to Issue Cards 2.4 MC 3.1 Responsibility for Transactions 2.5 MC 3.2 Settlement Liability for Debit Licensees 2.5.1 MC 8.6 Settlement Liability for Type I TPPs that
Sponsor Affiliates
2.5.2 MC 8.7
Change in Sponsorship 2.6 MC 1.8.4
Name Change 2.7 MC 1.8.5
Sale or Change of Ownership or Control of Customer or Portfolio
2.8 MC 1.10, 1.11
Standards 3.1 MC 2.1
Variances 3.1.1 MC 2.1.1
Failure to Comply with a Standard 3.1.2 MC 2.1.2 Noncompliance Categories 3.1.2.1 MC 2.1.3 Category A—Payment System Integrity 3.1.2.1.1 MC 2.1.3 Category B—Visible to Customers 3.1.2.1.2 MC 2.1.3 Category C—Efficiency and Operational
Performance
Noncompliance Assessments 3.1.2.2 MC 2.14
Certification 3.1.2.3 MC 2.1.5
Review Process 3.1.2.4 MC 2.1.6
Resolution of Review Request 3.1.2.5 MC 2.1.7 Intracountry Transactions 3.1.3 MC 2.1.8 Communication of Intracountry Fallback
Rules 3.1.4 MC 2.1.9 Conduct of Activity 3.2 MC 2.2 Obligations of a Sponsor 3.2.1 MC 2.2.2 Affiliates 3.2.2 MC 2.2.3 Financial Soundness 3.2.3 MC 2.2.4 Compliance 3.2.4 MC 2.2.6 Acquirers 3.2.5 MC 2.2.5
Indemnity and Limitation of Liability 3.3 MC 2.3
Choice of Laws 3.4 MC 2.4
Examination and Audit 3.5 MC 2.5 Provision and Use of Information 3.6 Deleted;
heading only Obligation of Customer to Provide
Information
3.6.1 MC 3.9
Confidential Information of Customers 3.6.2 MC 3.10 Use of Corporation Information by a
Customer
3.6.3 MC 3.11
Confidential Information of the Corporation and the Corporation’s Affiliates
3.6.4 MC 3.12
Data Protection—Europe Region Only 3.6.5 MC 3.13 Quarterly MasterCard Report 3.7 MC 3.14 Report Not Received 3.7.1 MC 3.14.1
Erroneous or Incomplete Report 3.7.2 MC 3.14.2 Overpayment Claim 3.7.3 MC 3.14.3 Transaction Requirements 3.8 MC 3.3 Authorization Service 3.9 MC 3.4 Integrity of Brand and Network 3.10 MC 3.7 Right to Use the Marks 4.1 MC 4.1 Protection and Registration of the Marks 4.1.1 MC 4.1.1 Registration of a Design 4.1.1.1 MC 4.1.1.1
Misuse of a Mark 4.1.2 MC 4.1.2
Requirements for Use of a Mark 4.2 MC 4.2 Review of Solicitations 4.3 MC 4.3
Signage System 4.4 MC 4.4
Particular Use of a Mark 4.5 Deleted; heading only
Generic Use 4.5.1 MC 4.7.1
Use of Modifiers 4.5.2 MC 4.7.2
Use on Stationery 4.5.3 MC 4.7.3 Use on Non-Licensed Products 4.5.4 MC 4.7.4
Use on Cards 4.5.5 MC 4.7.9
Use of the MasterCard Word Mark 4.6 MC See “MasterCard Word Mark” in Definitions Use or Registration of “Master”
Terminology
4.6.1 MC 4.7.5
Use of MasterCard in a Corporate, Business or Domain Name
4.6.2 MC 4.7.6
Use of MasterCard in Text 4.6.3 MC 4.7.7
Use of the Interlocking Circles Device 4.7 MC 4.5 Use or Registration of Similar Logos,
Designs, and Names
4.7.1 MC 4.5.1
Use of Multiple Brand Marks 4.8 MC 4.6 Use of the Card Face Design 4.9 Deleted;
heading only In Advertising and Marketing Material 4.9.1 MC 4.11
In Merchant Advertising 4.9.2 MC 4.10 In Statement Enclosures 4.9.3 MC 4.12 Use of the MasterCard Brand Mark on
Other Cards
4.10 MC 4.13
Use of a Competing Mark on Cards 4.11 MC 4.9 Use of Other Acceptance Marks on Cards 4.12 MC 4.9 The Merchant Agreement 5.1 MC 5.1 Verify Bona Fide Business Operation 5.1.1 MC 5.1.1
Required Terms 5.1.2 MC 5.1.2
Payment Facilitators 5.1.2.1 MC 5.1.2.1 Gambling Merchants 5.1.2.2 MC 5.1.2.2 Assessments for Merchant Agreement
Noncompliance
5.1.3 MC 5.2.1
Maintaining Information 5.1.4 MC 5.1.4 Merchant and Sub-merchant Compliance
with the Standards
5.2 MC 5.2
Noncompliance Assessments 5.2.1 MC 5.2.1 Acquirer Obligations to Merchants 5.3 MC 5.3 and
subsections Use of a Payment Facilitator 5.4 MC 5.4
Responsibility for Payment Facilitator and Sub-merchant Activity
High-Risk Payment Facilitators 5.4.2 MC 5.4.2 Registration Requirements for Payment
Facilitators
5.4.3 MC 5.4.3
Payment Facilitator Obligations 5.5 MC 5.5 Sub-merchant Screening Procedures 5.5.1 MC 5.5.1 Sub-merchant Agreement 5.5.2 MC 5.5.2 Required Terms 5.5.2.1 MC 5.5.2.1 Obligations as Sponsor of Sub-merchants 5.5.3 MC 5.5.3 Merchant Identification and Responsibility
for Transactions
5.6 MC 5.6
Merchant Data in Transaction Messages 5.7 MC 5.7 Transaction Currency Information 5.8 MC 5.8
Use of the Marks 5.9 MC 5.9
Merchants Must Display the MasterCard Acceptance Mark
5.9.1 MC 5.9.1, 5.9.1.1
Merchant Advertising and POI Materials 5.9.2 MC 5.9.1, 5.9.1.2 Local/Regional Acceptance Brands 5.9.3 MC 5.9.1.2 Merchant Obligations for Card Acceptance 5.10 MC 5.10 Honor All Cards 5.10.1 MC 5.10.1 Merchant Acceptance 5.10.2 MC 5.10.2 Obtain an Authorization 5.10.3 MC 5.10.3 Additional Cardholder Identification 5.10.4 MC 5.10.4 Discounts or Other Benefits at the Point
of Interaction 5.10.5 MC 5.10.5 Prohibited Practices 5.11 MC 5.11 Discrimination 5.11.1 MC 5.11.1 Charges to Cardholders 5.11.2 MC 5.11.2 Minimum/Maximum Transaction Amounts 5.11.3 MC 5.11.3
Scrip-dispensing Terminals 5.11.4 MC 5.11.4 Existing Cardholder Obligations 5.11.5 MC 5.11.5 Cardholder Right of Dispute 5.11.6 MC 5.11.6 Illegal or Brand-damaging Transactions 5.11.7 MC 5.11.7 Assessments for Merchant Noncompliance 5.11.7.1 MC 5.11.7.1
Disparagement 5.11.8 MC 5.11.8
Submitting Transactions 5.12 Deleted; heading only Valid Transactions 5.12.1 TP 5.12
Transaction Records 5.12.2 MC 2, Presentment of Transaction Records; 3, Transaction Records Sale or Exchange of Information 5.13 MC 5.13 Issuer Responsibilities to Cardholders 6.1 MC 6.2 Limitation of Liability of Cardholders for
Unauthorized Use
6.1.1 MC 6.3
Selective Authorization 6.2 MC 6.4
Account Access 6.3 MC 6.1.1
Linked Card Program Solicitations 6.4 MC 6.1.1.1 Stand-In Processing Service 6.5 TP 2, Stand-In
Processing Service
Issuer Performance Standards 6.6 TP 2, Performance Standards—Is-suers
Special Issuer Programs—General Requirements
6.7 MC 6.6
Prior Consent of the Corporation 6.7.1 MC 6.6.1 Reservation of Rights 6.7.2 MC 6.6.2
Cardholder Communication 6.7.3 MC 6.6.3 Affinity and Co-Brand Card Programs 6.8 MC 6.7 Ownership and Control of the Program 6.8.1 MC 6.7.1
Accept All Cards Without Discrimination 6.8.2 Deleted; see MC Rule 5.10.1, Honor All Cards Use of the MasterCard Acceptance Mark 6.8.3 MC 6.7.3
Brand Value Transactions and Proprietary
Accounts 6.9
MC 6.8
Proprietary Account Access 6.9.1 MC 6.8.1 Fees and Reporting Requirements 6.9.1 MC 6.8.1 Remote Transaction Accounts 6.10 MC 6.9 Remote Transaction Account
Requirements 6.10.1
MC 6.9.1
Remote Transaction MasterCard M/Chip Account Programs
6.10.1.1 Deleted
Secured Card Programs 6.11 MC 6.10
Refund of Fees 6.11.1 MC 6.10.1
Solicitation and Disclosure Requirements 6.11.2 MC 6.10.2 Prepaid Card Programs 6.12 MC 6.11 Responsibility for the Prepaid Card
Program
6.12.1 MC 6.11.1
Categories of Prepaid Card Programs 6.12.2 MC 6.11.2 Consumer Prepaid Card Programs 6.12.2.1 MC 6.11.2.1 Commercial Prepaid Card Programs 6.12.2.2 MC 6.11.2.2 Government Prepaid Card Programs 6.12.2.3 MC 6.11.2.3 Return of Unspent Value 6.12.3 MC 6.11.3 Consumer Prepaid Card Programs 6.12.3.1 MC 6.11.3.1 Commercial Prepaid Card Programs 6.12.3.2 MC 6.11.3.2
Government Prepaid Card Programs 6.12.3.3 MC 6.11.3.3
Value Loading 6.12.4 MC 6.11.4
Communications and Marketing Materials 6.12.5 MC 6.11.5 Anti-Money Laundering 6.12.6 Deleted; see
“Summary of Changes” Anonymous Prepaid Card Guidelines 6.12.7 MC 6.11.6
BINs 6.12.8 MC 6.11.7
Simplified Due Diligence Guidelines 6.12.9 MC 6.11.8 Service Provider Categories 7.1 MC 7.1 Third Party Processor 7.1.1 MC 7.1.1
Type I 7.1.1.1 MC 7.1.1.1
Type II 7.1.1.2 MC 7.1.1.2
Type III 7.1.1.3 MC 7.1.1.3
Digital Wallet Operator 7.1.2 MC 7.1.2 and subsections The Program and Performance of
Program Service
7.2 MC 7.2
Customer Responsibility and Control 7.2.1 MC 7.2.1 Notification to the Corporation 7.2.2 MC 7.2.2 Program Service Agreement 7.2.3 MC 7.2.3 Disclosure of Standards 7.2.4 MC 7.2.4 Customer Point of Contact 7.2.5 MC 7.2.5
Use of the Marks 7.2.6 MC 7.2.6
Service Provider Identification on a Card 7.2.7 MC 7.2.7 Program Materials 7.2.8 MC 7.2.8
Fees 7.2.9 MC 7.2.9
Data Security 7.2.11 MC 7.2.11
Settlement Account 7.3 MC 7.3
Transfer of Rights Prohibited 7.4 MC 7.4 Use of the Corporation’s Systems and
Confidential Information 7.5 MC 7.5 Acquiring Programs 7.6 MC 7.6 Merchant Agreement 7.6.1 MC 7.6.1 Collection of Funds 7.6.2 MC 7.6.2 Access to Documentation 7.6.3 MC 7.6.3 Authority to Terminate Merchant
Agreement
7.6.4 MC 7.6.4
Issuing Programs 7.7 MC 7.7
Card Application Approval 7.7.1 MC 7.7.1 Cardholder Agreement 7.7.2 MC 7.7.2
Program Payments 7.7.3 MC 7.7.3
Program Receivables 7.7.4 MC 7.7.4 Registration Requirements for DSEs, ISOs,
and Type II TPPs
7.8 MC 7.8
Site Data Protection (SDP) Program Noncompliance
7.8.1 MC 7.8.1
Registration Requirements for Type I TPPs
7.9 MC 7.9
Registration Requirements for Type III TPPs
7.10 MC 7.10
Registration Requirements for Staged DWOs
7.11 MC 7.11
Registration of a Service Provider Registration Facilitator
7.12 MC 7.12
Service Provider Registration Noncompliance
Prohibition from Acting as a Service Provider
7.14 MC 7.14
Termination of Program Service Agreement or De-registration
7.15 MC 7.15
Confidential Information of Service Providers
7.16 MC 7.16
Audits 7.17 MC 7.17
No Endorsement by the Corporation 7.18 MC 7.18
Connecting to the Interchange System 8.1 TP 1, Connecting to the Interchange System
Authorization Routing 8.1.1 TP 1, Authorization Routing—Mast-erCard Transac-tions
Acquirer Host System Requirements 8.2 TP 1, Acquirer Host System Requirements Authorization Requirements 8.3 TP Header deleted Full and Partial Reversals 8.3.1 TP 2, Full and
Partial Reversals Reversal for Conversion of Approval to
Decline
8.3.1.1 TP 2, Reversal for Conversion of Approval to Decline Full and Partial Approvals and Account
Balance Responses 8.3.2 TP 2, Full and Partial Approvals and Account Balance Responses Multiple Authorizations from Travel and
Entertainment Merchants
8.3.3 TP 2, Multiple Authorizations
Card Acceptance Procedures 8.4 TP 3, MasterCard Merchant and Cash Disbursement Acceptance Procedures Card Must be Present 8.4.1 TP 3, Presenting
the MasterCard Card
Determine Whether Card is Valid 8.4.2 TP 3. Determining MasterCard Card Validity Unsigned Cards 8.4.2.1 TP 3, Unsigned
Cards Suspicious Cards 8.4.2.2 TP 3, Suspicious
Cards
Obtaining an Authorization 8.4.3 TP 3, Obtaining an Authorization for a MasterCard Transaction When to Obtain an Authorization 8.4.3.1 TP 3, Obtaining an
Authorization for a MasterCard Transaction Chip Transactions 8.4.3.2 TP 3, Obtaining an
Authorization for a MasterCard Transaction Lodging, Cruise Line, and Vehicle Rental
Transactions
8.4.3.3 TP 3, Authorization of Lodging, Cruise Line, and Vehicle Rental Transactions Adding a Gratuity 8.4.3.4 TP 3, Authorization
When the Cardholder Adds a Gratuity
Suspicious Transactions and Pick-up-card Response 8.4.4 TP 3, Suspicious Transactions and Capture Card Response Completing the Transaction 8.4.5 TP 3, Providing
a Transaction Receipt TID Information Requirements 8.4.5.1 TP 3, POS
Transaction Receipt Requirements Prohibited Information 8.4.5.2 TP 3, POS
Transaction Receipt Requirements Cardholder Verification Method (CVM) 8.4.5.3 TP 3, MasterCard
Cardholder Ver-ification—PIN and Signature Requirements Give the Cardholder a Copy of the
Receipt
8.4.5.4 TP 3, Providing a Transaction Receipt Multiple TIDs and Partial Payment 8.4.6 TP 3, Multiple
Transactions and Partial Payment Specific Terms of a Transaction 8.4.7 TP 3, Specific
Terms of a Transaction Returned Products and Canceled Services 8.4.7.1 TP 3, Returned
Products and Canceled Services Charges for Loss, Theft, or Damage 8.4.8 TP 3, Charges for
Loss, Theft, or Damage—Mast-erCard Transac-tions Only
Chip Transactions and Acceptance at Hybrid POS Terminals
8.5 TP 4, Chip
Transactions at Hybrid POS Terminals Acceptance at Hybrid POS Terminals 8.5.1 TP 4, Chip
Transactions at Hybrid POS Terminals Acceptance at Chip-only MPOS Terminals 8.5.2 TP 5, Hybrid
POS Terminal Requirements Hybrid POS Terminal and Chip-only
MPOS Terminal Display Requirements
8.5.3 TP 5, Hybrid
POS Terminal and Chip-only MPOS Terminal Displays Offline-only Hybrid POS Terminals at
Merchants with No Fixed Location
8.5.4 TP 4, Offline Transactions Performed on Board Planes, Trains, and Ships CVM Fallback 8.5.5 See M/Chip Requirements CVM Failure 8.5.6 See M/Chip Requirements Technical Failure 8.5.7 See M/Chip Requirements Card-not-present Transactions 8.6 Deleted; heading only
E-commerce Transactions 8.6.1 TP 5, E-commerce Transactions Recurring Payment Transactions 8.6.2 TP 5, Recurring
Payment Transactions MasterCard Advance Registration Program
(MARP) Transactions 8.6.3 TP 5, MasterCard Advance Registration Program (MARP) Transactions
MasterCard PayPass Transactions 8.7 TP 4, MasterCard Contactless Transactions Processing MasterCard PayPass Transit
Transactions 8.7.1 TP 4, MasterCard Contactless Transit Aggregated Transactions
PayPass-only Acceptance 8.7.2 TP 4,
Contactless-only Acceptance MasterCard PayPass-M/Chip Transaction
Offline Authorization Limit Amounts
8.7.3 TP 4, MasterCard Contactless M/Chip Transaction Offline Authorization Limit Amounts Mobile MasterCard PayPass-M/Chip
Transactions 8.7.4 TP 4, Mobile MasterCard Contactless M/Chip Transactions Quick Payment Service (QPS) Program 8.8 TP 4, Quick
Payment Service (QPS) Program Purchase with Cash Back Transactions 8.9 TP 4, Purchase
with Cash Back Transactions Unique Transactions 8.10 MC 5.7.1 Cardholder-Activated Terminal Requirements 8.11 TP 4, Cardholder-Activated Terminal Requirements Automated Fuel Dispenser Transactions 8.11.1 TP 4, Automated Fuel Dispenser Transactions
Payment Transactions 8.12 TP 6, Payment Transactions, and subsections Gaming Payment Transactions 8.12.1 TP 6, Gaming
Payment Transactions
MoneySend Payment Transactions 8.13 TP 6, MoneySend
Payment Transactions
MoneySend Payment Transaction
Requirements 8.13.1 TP 6, MoneySend Payment Trans- actions—Ac-quirer Re-quirements, MoneySend Payment Trans-action—Issuer Requirements PIN-based Debit Transactions 8.14 TP 4, PIN-based
Debit Transac-tions—United States Region Only
Refund Transactions 8.15 TP 3, Refund Transactions POI Currency Conversion 8.16 TP 3, POI Currency
Conversion Chargebacks for Reissued Cards 8.17 TP 2, Chargebacks
for Reissued Cards Use of Automatic Billing Updater 8.18 TP 5, Use of
Automatic Billing Updater Cash Disbursements 8.19 TP 4, MasterCard
Manual Cash Disbursement Transactions Nondiscrimination 8.19.1 TP 4,
Maximum Cash Disbursement Amounts 8.19.2 TP 4, Maximum Cash
Disbursement Amounts Discount or Service Charges 8.19.3 TP 4, Discount or
Service Charges MasterCard Acceptance Mark Must Be
Displayed
8.19.4 TP 4, MasterCard Acceptance Mark Must Be Displayed Cash Disbursement Procedures 8.19.5 TP See 3,
MasterCard Merchant and Cash Disbursement Acceptance Procedures Encashment of MasterCard Travelers
Cheques
8.19.6 TP 4, Encashment of MasterCard Travelers Cheques
Euro Migration 8.20 TP 2, Euro
Conversion
Definitions 9.1 MC 8.1
Net Settlement 9.2 MC 8.2
Currency Conversion 9.2.1 MC 8.2.1 Settlement Finality 9.2.2 MC 8.2.3 Interchange and Service Fees 9.3 MC 8.3
Cost Studies1 9.3.1 MC 8.3.1
Allocation of Expenses1 9.3.1.1 MC 8.3.1.1
Noncompliance with a Cost Study1 9.3.1.2 MC 8.3.1.2
Establishment of Intracountry Interchange and Service Fees
9.4 MC 8.4
Default Intracountry Fees 9.4.1 MC 8.4.1 Intraregional Fees 9.4.2 MC 8.4.2 Bilateral Agreement 9.4.3 MC 8.4.3 Failure of a Principal or Association
Customer to Discharge a Settlement Obligation
9.5 MC 8.5
System Liquidity 9.6 MC 8.8
Loss Allocation Among Customers 9.7 MC 8.11 Satisfaction of Minimum Financial
Requirements
9.8 MC 1.3
Fees, Assessments, and Other Payment Obligations
9.9 MC 3.8
Taxes and Other Charges 9.9.1 MC 3.8.1 Liability for Owned or Controlled Entities 9.10 MC 8.9
2013 publications of the new MasterCard Rules and/or Transaction Processing Rules manuals. Please note that in the “Location in 13 December 2013 edition” columns:
• Where “MC” is indicated under “Manual”, the “Location” column shows the number of Rules in the MasterCard Rules manual, and
• Where “TP” is indicated under “Manual”, the “Location” column shows the chapter number and Rule title of Rules in the Transaction Processing Rules manual.
Location in 13 December 2013 edition of MasterCard
Rules (MC) and/or Transaction Processing Rules (TP)
Rule Title Location in 14 June 2013
Maestro Global Rules
Manual Location
Eligibility to be a Customer 1.1 MC 1.1 Interim Participation 1.2 MC 1.5 Special Conditions of Activity or License 1.3 MC 1.4 Participation in Activity 1.4 MC 1.8 Changing Customer Status 1.4.1 MC 1.8.1 License Not Transferable 1.4.2 MC 1.8.2 Right to Sponsor Affiliates 1.4.3 MC 1.8.3 Customer Responsibilities 1.4.4 MC 2.2.1 Competing Networks—Asia/Pacific
Region Only
1.5 MC 1.9
Suspension and Amendment of Activity and/or License
1.6 MC 1.5
Termination of License 1.7 MC 1.6 Voluntary Termination 1.7.1 MC 1.6.1 Withdrawing a Cardbase from the
Corporation
1.7.2 MC 1.10
Termination by the Corporation 1.7.3 MC 1.6.2 Liabilities and Obligations Following
Termination
The License 2.1 MC 1.6 SEPA Licensing Program—Europe Region
Only
2.1.1 MC 1.6.1
Area of Use 2.2 MC 1.7
Extending the Area of Use 2.2.1 MC 1.7.1 Central Acquiring—Europe Region Only 2.2.2 MC 1.7.2 Transfer of Cards to India Residents is
Prohibited without a License
2.2.3 MC 1.7.3
Merchant Location 2.2.4 MC 5.7.5 Transaction Location 2.2.5 MC 5.7.6 MasterCard Anti-Money Laundering
Program
2.3 MC 1.2
Responsibility for Transactions 2.4 MC 3.2 Change in Sponsorship 2.5 MC 1.8.4
Name Change 2.6 MC 1.8.5
Standards 3.1 MC 2.1
Variances 3.1.1 MC 2.1.1
Failure to Comply with a Standard 3.1.2 MC 2.1.2 Noncompliance Categories 3.1.2.1 MC 2.1.3 Category A—Payment System Integrity 3.1.2.1.1 MC 2.1.3 Category B—Visible to Customers 3.1.2.1.2 MC 2.1.3 Category C—Efficiency and Operational
Performance
3.1.2.1.3 MC 2.1.3
Noncompliance Assessments 3.1.2.2 MC 2.14
Certification 3.1.2.3 MC 2.1.5
Review Process 3.1.2.4 MC 2.1.6
Resolution of Review Request 3.1.2.5 MC 2.1.7 Intracountry Transactions 3.1.3 MC 2.1.8
Communication of Intracountry Fallback Rules 3.1.4 MC 2.1.9 Conduct of Activity 3.2 MC 2.2 Obligations of a Sponsor 3.2.1 MC 2.2.2 Affiliates 3.2.2 MC 2.2.3 Financial Soundness 3.2.3 MC 2.2.4 Compliance 3.2.4 MC 2.2.6
Indemnity and Limitation of Liability 3.3 MC 2.3
Choice of Laws 3.4 MC 2.4
Examination and Audit 3.5 MC 2.5
Non-discrimination 3.6 Deleted;
heading only
POS Transactions 3.6.1 MC 3.5
Terminal Transactions 3.6.2 MC 3.6 Provision and Use of Information 3.7 Deleted;
heading only Obligation of Customer to Provide
Information
3.7.1 MC 3.9
Confidential Information of Customers 3.7.2 MC 3.10 Use of Corporation Information by a
Customer
3.7.3 MC 3.11
Confidential Information of the Corporation and the Corporation’s Affiliates
3.7.4 MC 3.12
Data Protection—Europe Region Only 3.7.5 MC 3.13 Quarterly MasterCard Report (QMR) 3.8 MC 3.14 Report Not Received 3.8.1 MC 3.14.1 Erroneous or Incomplete 3.8.2 MC 3.14.2 Overpayment Claim 3.8.3 MC 3.14.3
Transaction Requirements 3.9 MC 3.3 Cooperation 3.10 MC 3.15; also see Security Rules and Procedures, section 5.2 Integrity of Brand and Network 3.11 MC 3.7 Right to Use the Marks 4.1 MC 4.1 Protection and Registration of the Marks 4.1.1 MC 4.1.1 Registration of a Card Face Design 4.1.1.1 MC 4.1.1.1
Misuse of a Mark 4.1.2 MC 4.1.2
Requirements for Use of a Mark 4.2 MC 4.2 Review of Solicitations 4.3 MC 4.3
Signage System 4.4 MC 4.4
New and Replacement Signage 4.4.1 MC 4.4.1, 4.4.2 POS Terminal Signage 4.4.2 MC 4.4.1 ATM Terminal Signage 4.4.3 MC 4.4.2 Particular Use of a Mark 4.5 Deleted;
heading only
Generic Use 4.5.1 MC 4.7.1
Use of Modifiers 4.5.2 MC 4.7.2
Use on Stationery 4.5.3 MC 4.7.3 Use on Non-Licensed Products 4.5.4 MC 4.7.4
Display on Cards 4.6 MC 4.8
Use of the Maestro Word Mark 4.7 MC See “Maestro Word Mark” in Definitions Use or Registration of “Maestro”
Terminology
Use of Maestro in a Corporate, Business or Domain Name
4.7.2 MC 4.7.6
Use of Maestro in Text 4.7.3 MC 4.7.7
Program Names 4.7.4 MC 4.7.8
Use of the Interlocking Circles Device 4.8 MC 4.5 Use or Registration of Similar Logos,
Designs, and Names
4.8.1 MC 4.5.1
Use of Multiple Brand Marks 4.9 MC 4.6 Use of the Card Design in Merchant
Advertising and Signage
4.10 MC 4.11
The Merchant and ATM Owner Agreements
5.1 MC 5.1
Verify Bona Fide Business Operation 5.1.1 MC 5.1.1 Required Merchant Agreement Terms 5.1.2 MC 5.1.2 Payment Facilitators 5.1.2.1 MC 5.1.2.1 Gambling Merchants 5.1.2.2 MC 5.1.2.2 Required ATM Owner Agreement Terms 5.1.3 MC 5.1.3 Maintaining Information 5.1.4 MC 5.1.4 Merchant and Sub-merchant Compliance
with the Standards
5.2 MC 5.2
Noncompliance Assessments 5.2.1 MC 5.2.1 Acquirer Obligations to Merchants 5.3 MC 5.3 Payment for Transactions 5.3.1 MC 5.3.1 Merchant Materials and Resources 5.3.2 MC 5.3.2 Information to Merchants—European
Economic Area Only
5.3.3 MC 5.3.3
Additional Obligations—Canada Region Only
5.3.4 MC 5.3.3
Responsibility for Payment Facilitator and Sub-merchant Activity
5.4.1 MC 5.4.1
High-Risk Payment Facilitators 5.4.2 MC 5.4.2 Payment Facilitator Registration
Requirement
5.4.3 MC 5.4.3
Payment Facilitator Obligations 5.5 MC 5.5 Sub-merchant Screening Procedures 5.5.1 MC 5.5.1 Sub-merchant Agreement 5.5.2 MC 5.5.2 Required Sub-merchant Agreement Terms 5.5.3 MC 5.5.2.1 Obligations as Sponsor of Sub-merchants 5.5.4 MC 5.5.3 Merchant Identification and Responsibility
for Transactions 5.6
MC 5.6
Merchant and ATM Data in Transaction Messages
5.7 MC 5.7
Transaction Currency Information 5.8 MC 5.8
Use of the Marks 5.9 MC 5.9
Display of the Acceptance Marks by Merchants
5.9.1 MC 5.9.1, 5.9.1.1
Merchant Advertising and POI Materials 5.9.2 MC 5.9.1, 5.9.1.2 Local/Regional Acceptance Brands 5.9.3 MC 5.9.1.2 Merchant Obligations for Card Acceptance 5.10 MC 5.10 Honor All Cards 5.10.1 MC 5.10.1 Obtain an Authorization 5.10.2 MC 5.10.3 Additional Cardholder Identification 5.10.3 MC 5.10.4 Discounts or Other Benefits at the Point
of Interaction
5.10.4 MC 5.10.5
Prohibited Practices 5.11 MC 5.11
Discrimination 5.11.1 MC 5.11.1
Minimum/Maximum Transaction Amounts 5.11.3 MC 5.11.3 Scrip-dispensing Terminals 5.11.4 MC 5.11.4 Cardholder Right of Dispute 5.11.5 MC 5.11.6 Illegal or Brand-damaging Transactions 5.11.6 MC 5.11.7 Assessments for Merchant Noncompliance 5.11.6.1 MC 5.11.7.1 Submitting Transactions 5.12 Deleted;
heading only Valid Transactions 5.12.1 MC 5.12
Transaction Records 5.12.2 TP 2, Presentment of Transaction Records; 3, Transaction Records Sale or Exchange of Information 5.13 MC 5.13
Eligibility 6.1 Deleted;
heading only
Eligible Cards 6.1.1 MC 6.1.2
Eligible Mobile Payment Devices 6.1.1.1 MC 6.1
Gateway Processed Transactions 6.1.2 TP 1, Gateway Processing Eligible Accounts 6.1.3 MC 6.1.2.1 Ineligible Accounts 6.1.3.1 MC 6.1.2 PIN and Signature Requirements 6.2 MC 6.1.2
PIN Issuance 6.2.1 MC 6.1.2; also see section 4.2,
Security Rules and Procedures
Use of PIN 6.2.2 MC, TP MC Rule 6.1.3; TP 3, ATM Terminal and PIN-based In-Branch Terminal Transactions Chip Cards 6.2.2.1 MC, TP MC Rule 6.1.2;
TP 3, ATM Terminal and PIN-based In-Branch Terminal Transactions; also see “Card CVM Requirements,” Chapter 2, M/Chip Requirements
Use of PIN or Signature 6.2.3 TP 3, Maestro Card-holder Verifica-tion—PIN and Signature Re-quirements Stand-In Processing Service 6.3 TP 2, Stand-In Processing Service
Accumulative Transaction Limits 6.3.1 and subsections TP 2, Accumulative Transaction Limits Selective Authorization 6.4 MC 6.4 Issuer Responsibilities to Cardholders 6.5 MC 6.2 Limitation of Liability of Cardholders for
Unauthorized Use
6.5.1 MC 6.3
Additional Rules for Issuing—Europe and United States Regions Only
6.6 MC 6.1.2
Special Issuer Programs—General Requirements
6.8 MC 6.6, 6.6.4
Prior Consent of the Corporation 6.8.1 MC 6.6.1 Reservation of Rights 6.8.2 MC 6.6.2 Cardholder Communication 6.8.3 MC 6.6.3 Affinity and Co-Brand (A/CB) Card
Programs
6.9 MC 6.7
Compliance with the Standards 6.9.1 Deleted; see MC Rules 2.2, 2.1.2, 2.3 Program Approval 6.9.2 Deleted; see
section 1.5, Card Design Manual; for Europe Region addition, see MC Rule 6.6.2 Ownership and Control of A/CB Programs 6.9.3 MC 6.7.1
Ownership of Receivables 6.9.4 MC 6.7.1 A/CB Program Communication Standards 6.9.5 MC 6.6.3
Accept All Cards Without Discrimination 6.9.6 Deleted; see MC Rule 5.10.1 Prepaid Card Programs 6.10 MC 6.11
Responsibility for the Prepaid Card Program
6.10.1 MC 6.11.1
Categories of Prepaid Card Programs 6.10.2 MC 6.11.2 Consumer Prepaid Card Programs 6.10.2.1 MC 6.11.2.1 Commercial Prepaid Card Programs 6.10.2.2 MC 6.11.2.2 Government Prepaid Card Programs 6.10.2.3 MC 6.11.2.3 Return of Unspent Value 6.10.3 MC 6.11.3 Consumer Prepaid Card Programs 6.10.3.1 MC 6.11.3.1
Commercial Prepaid Card Programs 6.10.3.2 MC 6.11.3.2 Government Prepaid Card Programs 6.10.3.3 MC 6.11.3.3
Value Loading 6.10.4 MC 6.11.4
Communications and Marketing Materials 6.10.5 MC 6.11.5 Anti-Money Laundering 6.10.6 Deleted; see
“Summary of Changes” Anonymous Prepaid Card Guidelines 6.10.7 MC 6.11.6
BINs 6.10.8 MC 6.11.7
Simplified Due Diligence Guidelines 6.10.9 MC 6.11.8 Chip-only Card Programs—Europe
Region Only
6.11 MC 6.12
Service Provider Categories 7.1 MC 7.1 Third Party Processor 7.1.1 MC 7.1.1
Type I 7.1.1.1 MC 7.1.1.1
Type II 7.1.1.2 MC 7.1.1.2
Digital Wallet Operator 7.1.2 MC 7.1.2 The Program and Performance of
Program Service
7.2 MC 7.2
Customer Responsibility and Control 7.2.1 MC 7.2.1 Notification to the Corporation 7.2.2 MC 7.2.2 Program Service Agreement 7.2.3 MC 7.2.3 Disclosure of Standards 7.2.4 MC 7.2.4 Customer Point of Contact 7.2.5 MC 7.2.5
Use of the Marks 7.2.6 MC 7.2.6
Service Provider Identification on a Card 7.2.7 MC 7.2.7 Program Materials 7.2.8 MC 7.2.8
Settlement Failure Obligation 7.2.10 MC 7.2.10
Data Security 7.2.11 MC 7.2.11
Settlement Account 7.3 MC 7.3
Transfer of Rights Prohibited 7.4 MC 7.4 Use of the Corporation’s Systems and
Confidential Information 7.5 MC 7.5 Acquiring Programs 7.6 MC 7.6 Merchant Agreement 7.6.1 MC 7.6.1 Collection of Funds 7.6.2 MC 7.6.2 Access to Documentation 7.6.3 MC 7.6.3 Authority to Terminate Merchant
Agreement or ATM Owner Agreement
7.6.4 MC 7.6.4
Issuing Programs 7.7 MC 7.7
Card Application Approval 7.7.1 MC 7.7.1 Cardholder Agreement 7.7.2 MC 7.7.2
Program Payments 7.7.3 MC 7.7.3
Program Receivables 7.7.4 MC 7.7.4 Registration Requirements for DSEs, ISOs,
and Type II TPPs
7.8 MC 7.8
Site Data Protection (SDP) Program Noncompliance
7.8.1 MC 7.8.1
Registration Requirements for Type I TPPs
7.9 MC 7.9
Registration Requirements for Staged DWOs
7.10 MC 7.11
Registration of a Service Provider Registration Facilitator
7.11 MC 7.12
Service Provider Registration Noncompliance
Prohibition from Acting as a Service Provider
7.13 MC 7.14
Termination of Program Service Agreement or De-registration
7.14 MC 7.15
Confidential Information of Service Providers
7.15 MC 7.16
Audits 7.16 MC 7.17
No Endorsement by the Corporation 7.17 MC 7.18
Chapter 8—Security See
“Cross-Reference Chart—Maestro and Cirrus Security-related Rules,” Security Rules and Procedures
Connecting to the Interchange System 9.1 TP 1, Connecting to the Interchange System
Authorization Routing 9.1.1 TP 1, Authorization Routing—Mae-stro and Cirrus Transactions Chip Transaction Routing 9.1.2 TP 1, Chip
Transaction Routing Acquirer Host System Requirements 9.1.3 TP 1, Acquirer
Host System Requirements POI Terminal Connectivity to the Acquirer
Host System
9.1.3.1 TP 7, POI Terminal Requirements ATM Connection to the Interchange
System
9.1.4 TP 1, ATM
Connection to the Interchange System
Gateway Processing 9.1.4.1 TP 1, Gateway Processing
POS Terminal Connection to the Interchange System—Asia/Pacific Region and Latin America and the Caribbean Region Only
9.1.5 TP 1, POS Terminal Connection to the Interchange System
Online POS Transaction Types—Issuers 9.2 TP 2, Issuer Authorization Requirements Online POS Transaction Types—Acquirers 9.3 TP 2, Acquirer
Authorization Requirements Optional Online POS Transaction Types 9.3.1 TP 2, Acquirer
Authorization Requirements; also see specific message and transaction types Offline POS Transaction Types—Issuers 9.4 TP 2, Issuer
Authorization Requirements Offline POS Transaction
Types—Acquirers
9.5 TP 2, Acquirer
Authorization Requirements ATM and PIN-based In-Branch Terminal
Transaction Types—Issuers 9.6
TP 2, Issuer Authorization Requirements ATM and PIN-based In-Branch Terminal
Transaction Types—Acquirers
9.7 TP 2, Acquirer
Authorization Requirements Eligible POI Terminals 9.8 TP 7, POI Terminal
Eligibility POI Terminal Requirements 9.9 TP 7, POI Terminal
Requirements POS Terminals 9.9.1 TP 7, POS Terminal
Requirements
PayPass-only POS Terminals 9.9.2 TP 7,
Contactless-only POS Terminals
ATMs 9.9.3 TP 7, ATM Terminal and PIN-based In-Branch Terminal Requirements; also see section 4.10, Security
Rules and Procedures
PIN-based In-Branch Terminals 9.9.4 TP 7, ATM Terminal and PIN-based In-Branch Terminal Requirements Manual Key-entry of PAN 9.9.5 TP 3, Presenting a
Maestro Card PIN Entry Device 9.9.6 See section
4.10, Security
Rules and Procedures
Function Keys 9.9.7 TP 7, POI Function Keys
POI Terminal Responses 9.9.8 TP 7, POI Terminal Responses Balance Inquiry 9.9.9 TP 2, Balance
Inquiries Card Authentication and Processing at
POI Terminals
9.9.10 TP 7, POI Terminal Requirements Hybrid POI Terminal Requirements 9.10 TP 7, Hybrid
POI Terminal Requirements Hybrid POS Terminals 9.10.1 TP 7, Hybrid
POS Terminal Requirements Technical Fallback 9.10.1.1 See M/Chip
CVM Fallback 9.10.1.2 See M/Chip
Requirements
Hybrid ATM and PIN-based In-Branch Terminals 9.10.2 TP 7, Hybrid ATM and PIN-based In-Branch Terminal Requirements Hybrid POI Terminal CAM and Offline
PIN Requirements
9.10.3 See section
4.9, Security
Rules and Procedures;
also see M/Chip
Requirements
Floor Limit Guidelines 9.11 See Chapter 5, “Floor Limit Charts,” Quick
Reference Booklet
Maestro PayPass Transaction Ceiling Limit Guidelines 9.12 See Appendix C, “CVM Limit and Contactless Ceiling Limit Amounts,” Chargeback Guide
POI Currency Conversion 9.13 TP 3, POI Currency Conversion Euro Conversion—Timing 9.14 TP 2, Euro
Conversion Authorization Response Time—Issuers 9.15 TP 2, Authorization
Responses—Is-suers
Authorization Response Time—Acquirers 9.16 TP 2, Authorization Responses—Ac-quirers
Performance Standards 9.17 TP 2, Performance Standards—Is-suers
Issuer Failure Rate (Substandard Level 1) 9.17.1 TP 2, Performance Standards—Is-suers
Issuer Failure Rate (Substandard Level 2) 9.17.2 TP 2, Performance Standards—Is-suers
Calculation of the Issuer Failure Rate 9.17.3 TP 2, Performance Standards—Is-suers
Acquirer Failure Rate 9.17.4 TP 2, Performance Standards—Ac-quirers
Noncompliance Assessments for Substandard Performance 9.17.5 TP 2, Noncompliance Assessments for Substandard Performance Additional Authorization Requirements 9.18 TP Deleted;
heading only Address Verification Service—Intracountry
Transactions in UK Only
9.18.1 See UK
Domestic Rules
CVC 2 Mismatches—Europe Region Only 9.18.2 TP 2, CVC 2 Verification for Maestro Transactions POS Terminal Transaction
Routing—Canada Region Only
9.18.3 TP 1, Authorization Routing—Mae-stro and Cirrus Transactions CVC 3 Verification—Latin America and
the Caribbean Region Only
9.18.4 TP 2, CVC 3 Verification for Maestro Contactless Magnetic Stripe Transactions Specific Terms of a Transaction 9.19 TP 3, Specific
Terms of a Transaction
Transaction Receipt Requirements 9.20 and subsections TP 3, Providing a Transaction Receipt
POI Terminal Transaction Log 9.21 TP 7, POI Terminal Transaction Log Transaction Requirements for Specific
Merchant Categories
9.22 Deleted;
heading only Transactions Performed on Board Planes,
Trains, and Ships
9.22.1 TP 4, Offline Transactions Performed on Board Planes, Trains, and Ships Unattended Petrol POS Terminal
Transactions
9.22.2 TP 4, Automated Fuel Dispenser Transactions No-CVM Magnetic Stripe and Contact
Chip Transactions 9.22.3 TP 4, No-CVM Magnetic Stripe and Contact Chip Transactions Other Transaction Types—UK Only 9.22.4 See UK
Domestic Rules
Merchant-approved Transactions 9.23 TP 4, Merchant-approved Maestro POS Transactions Purchase with Cash Back Transactions 9.24 TP 4, Purchase
with Cash Back Transactions Unique Transactions 9.25 MC 5.7.1 Maestro PayPass Transactions 9.26 TP 4, Maestro
Contactless Transactions
PayPass-only Acceptance 9.26.1 TP 4,
Contactless-only Acceptance
Payment Transactions 9.27, 9.27.1, 9.27.2 TP 6, Payment Transactions, and subsections Gaming Payment Transactions—Europe
Region Only
9.27.3 TP 6, Gaming Payment Transactions
MoneySend Payment Transactions 9.28 TP 6, MoneySend
Payment Transactions
MoneySend Payment Transaction
Requirements 9.28.1 TP 6, MoneySend Payment Trans- actions—Ac-quirer Re-quirements, MoneySend Payment Trans-action—Issuer Requirements Electronic Commerce Transactions 9.29 TP 5, E-commerce
Transactions Acquirer Requirements 9.29.1 TP 5,
E-com-merce Transac-tions—Acquirer and Merchant Requirements Merchant Requirements 9.29.2 TP 5,
E-com-merce Transac-tions—Acquirer and Merchant Requirements Issuer Requirements 9.29.3 TP 5,
E-com-merce Trans-actions—Issuer Requirements MasterCard Advance Registration Program
(MARP) Transactions 9.29.4 TP 5, MasterCard Advance Registration Program (MARP) Transactions
Mail Order/Telephone Order (MO/TO) and IVR Transactions
9.30 TP 5, Mail Order and Telephone Order (MO/TO) Transactions Recurring Payments 9.31 TP 5, Recurring
Payment Transactions Merchandise Transactions 9.32 and subsections TP 4, Merchandise
Transactions Chained Transactions 9.33 TP 4, Chained
Transactions ATM Transaction Branding 9.34 TP 4, ATM
Transaction Branding ATM Access Fees 9.35 and subsections TP 4, ATM Access
Fees Shared Deposits—United States Region
Only
9.36 TP 4, Shared De-posits—United States Region Only
Transaction Queries and Disputes 9.37 TP 2, Transaction Queries and Disputes Definitions 10.1 MC 8.1 Net Settlement 10.2 MC 8.2 Currency Conversion 10.2.1 MC 8.2.1 Settlement Currency 10.2.2 MC 8.2.2 Settlement Finality 10.2.3 MC 8.2.3 Reconciliation 10.2.4 MC 8.2.4
Interchange and Service Fees 10.3 MC 8.3
Cost Studies 10.3.1 MC 8.3.1
Allocation of Expenses 10.3.1.1 MC 8.3.1.1 Noncompliance with a Cost Study 10.3.1.2 MC 8.3.1.2
Establishment of Intracountry Interchange and Service Fees
10.4 MC 8.4
Default Intracountry Fees 10.4.1 MC 8.4.1 Intraregional Fees 10.4.2 MC 8.4.2 Bilateral Agreement 10.4.3 MC 8.4.3 Failure of a Principal Customer to
Discharge a Settlement Obligation
10.5 MC 8.5
System Liquidity 10.6 MC 8.8
Satisfaction of Minimum Financial Requirements
10.7 MC 1.3
Collateral Collection Through Settlement Accounts
10.8 Deleted; see
MC Rule 1.4 Fees, Expenses, and Other Payment
Obligations
10.9 MC 3.8
Taxes and Other Charges 10.9.1 MC 3.8.1 Card Fees and Reporting Procedures 10.9.2 MC 3.8.2 Liability for Owned or Controlled Entities 10.10 MC 8.9
Risk of Loss 10.11 MC 8.10
Loss Allocation Among Customers—Eu-rope and Latin America and the Caribbean Regions Only
10.12 MC 8.11
Appendix A—Geographical Regions MC, TP See Appendix A Appendix B—Technical Specifications See section
3.9.5 and Appendix A,
Security Rules and Procedures
Appendix C—Signage, Screen, and Receipt Text Displays
TP See Appendix D (Note: former sections C.8 and C.9 are deleted)
13 December 2013 publications of the new MasterCard Rules and/or Transaction Processing Rules manuals. Please note that in the “Location in 13 December 2013 edition” columns:
• Where “MC” is indicated under “Manual”, the “Location” column shows the number of Rules in the MasterCard Rules manual, and
• Where “TP” is indicated under “Manual”, the “Location” column shows the chapter number and Rule title of Rules in the Transaction Processing Rules manual.
Location in 13 December 2013 edition of MasterCard
Rules (MC) and/or Transaction Processing Rules (TP)
Rule Title Location in 14 June
2013 Cirrus Worldwide
Operating Rules
Manual Location
Eligibility to be a Customer 1.1 MC 1.1 Interim Participation 1.2 MC 1.5 Special Conditions of Activity or License 1.3 MC 1.4 Participation in Activity 1.4 MC 1.8 Changing Customer Status 1.4.1 MC 1.8.1 License Not Transferable 1.4.2 MC 1.8.2 Right to Sponsor Affiliates 1.4.3 MC 1.8.3 Customer Responsibilities 1.4.4 MC 2.2.1
Competing Networks 1.5 MC 1.9
Participation in Competing Networks 1.5.1 MC 1.9 Protection of the Corporation 1.5.2 MC 1.9.1 Participation Restrictions 1.5.3 MC 1.9.2 Exceptions to Participation Restrictions 1.5.3.1 MC 1.9.3 Suspension and Amendment of Activity
and/or License
1.6 MC 1.5
Termination of License 1.7 MC 1.6 Voluntary Termination 1.7.1 MC 1.6.1
Withdrawing a Cardbase from the Corporation
1.7.2 MC 1.10
Termination by the Corporation 1.7.3 MC 1.6.2 Liabilities and Obligations Following
Termination
1.7.4 MC 1.6.3
The License 2.1 MC 1.6
Single European Payments Area License—Europe Region Only
2.1.1 MC 1.6.1
Area of Use 2.2 MC 1.7
Extending the Area of Use 2.2.1 MC 1.7.1 Transfer of Cards to India Residents is
Prohibited without a License
2.2.2 MC 1.7.3
Transaction Location 2.2.3 MC 5.7.6 MasterCard Anti-Money Laundering
Program
2.3 MC 1.2
Responsibility for Transactions 2.4 MC 3.2 Change in Sponsorship 2.5 MC 1.8.4
Name Change 2.6 MC 1.8.5
Standards 3.1 MC 2.1
Variances 3.1.1 MC 2.1.1
Failure to Comply with a Standard 3.1.2 MC 2.1.2 Noncompliance Categories 3.1.2.1 MC 2.1.3 Category A—Payment System Integrity 3.1.2.1.1 MC 2.1.3 Category B—Visible to Customers 3.1.2.1.2 MC 2.1.3 Category C—Efficiency and Operational
Performance
3.1.2.1.3 MC 2.1.3
Noncompliance Assessments 3.1.2.2 MC 2.14
Review Process 3.1.2.4 MC 2.1.6 Resolution of Review Request 3.1.2.5 MC 2.1.7
Conduct of Activity 3.2 MC 2.2
Obligations of a Sponsor 3.2.1 MC 2.2.2
Affiliates 3.2.2 MC 2.2.3
Financial Soundness 3.2.3 MC 2.2.4
Compliance 3.2.4 MC 2.2.6
Indemnity and Limitation of Liability 3.3 MC 2.3 Use and Operation of the Interchange
System
3.3.1 Deleted; see MC Rule 2.3
Choice of Laws 3.4 MC 2.4
Examination and Audit 3.5 MC 2.5
Non-discrimination 3.6 MC 3.6
Provision and Use of Information 3.7 Deleted; heading only Obligation of Customer to Provide
Information
3.7.1 MC 3.9
Confidential Information of Customers 3.7.2 MC 3.10 Use of Corporation Information by a
Customer
3.7.3 MC 3.11
Confidential Information of the Corporation and the Corporation’s Affiliates
3.7.4 MC 3.12
Data Protection—Europe Region Only 3.7.5 MC 3.13 Quarterly MasterCard Report (QMR) 3.8 MC 3.14 Report Not Received 3.8.1 MC 3.14.1 Erroneous or Incomplete 3.8.2 MC 3.14.2 Overpayment Claim 3.8.3 MC 3.14.3
Transaction Requirements 3.9 MC 3.3 Cooperation 3.10 MC 3.15; also see Security Rules and Procedures, section 5.2 Integrity of Brand and Network 3.11 MC 3.7 Right to Use the Marks 4.1 MC 4.1 Protection and Registration of the Marks 4.1.1 MC 4.1.1 Registration of a Card Design 4.1.1.1 MC 4.1.1.1
Misuse of a Mark 4.1.2 MC 4.1.2
Requirements for Use of a Mark 4.2 MC 4.2 Review of Solicitations 4.3 MC 4.3
Signage System 4.4 MC 4.4, 4.4.2
New and Replacement Signage 4.4.1 MC 4.4.2 Particular Use of a Mark 4.5 Deleted;
heading only
Generic Use 4.5.1 MC 4.7.1
Use of Modifiers 4.5.2 MC 4.7.2
Use on Stationery 4.5.3 MC 4.7.3 Use on Non-Licensed Goods 4.5.4 MC 4.7.4
Display on Cards 4.6 MC 4.8
Use of the Cirrus Word Mark 4.7 MC See “Cirrus Word Mark” in Definitions Use or Registration of “Cirrus”
Terminology
4.7.1 MC 4.7.5
Use of Cirrus in a Corporate, Business or Domain Name
4.7.2 MC 4.7.6
Program Names 4.7.4 MC 4.7.8 Use of the Interlocking Circles Device 4.8 MC 4.5 Use or Registration of Similar Logos,
Designs, and Names
4.8.1 MC 4.5.1
Use of Multiple Brand Marks 4.9 MC 4.6 Use of the Card Design in Merchant
Advertising and Signage
4.10 MC 4.11
The ATM Owner Agreements 5.1 MC 5.1 Verify Bona Fide Business Operation 5.1.1 MC 5.1.1
Required Terms 5.1.2 MC 5.1.3
Maintaining Information 5.1.4 MC 5.1.4 Transaction Message Data 5.2 MC 5.7 Transaction Currency Information 5.3 MC 5.8
Use of the Marks 5.4 MC 5.9
Transaction Records 5.5 TP 2, Presentment of Transaction Records; 3, Transaction Records Discrimination 5.6 MC 5.11.1 Eligibility 6.1 Deleted; heading only Eligible Cards 6.1.1 MC 6.1.3 Ineligible Cards 6.1.1.1 MC 6.1.3.3 Gateway Processed Transactions 6.1.2 TP 1, Gateway
Processing
MasterCard Cards 6.1.3 MC 6.1.1
Assigned Portfolios 6.1.4 MC 6.1.3.5 Eligible Accounts 6.1.5 MC 6.1.3.2
Ineligible Accounts 6.1.5.1 MC 6.1.3.4
PIN Requirements 6.2 MC 6.1.3
PIN Issuance 6.2.1 MC 6.1.3; also see section 4.2,
Security Rules and Procedures
Use of the PIN 6.2.2 MC, TP MC Rule 6.1.3; TP 3, ATM Terminal and PIN-based In-Branch Terminal Transactions
Chip Cards 6.2.2.1 TP 3, ATM
Terminal and PIN-based In-Branch Terminal Transactions; also see “Card CVM Requirements”, Chapter 2, M/Chip Requirements
Stand-In Processing Service 6.3 TP 2, Stand-In Processing Service
Accumulative Transaction Limits 6.3.1 TP 2, Accumulative Transaction Limits Private Label Credit Cards 6.4 Deleted; see
Card Design Standards
Additional Issuer Requirements for
MasterCard Credit Card Transactions 6.5
MC, TP MC Rule 6.1.3; TP 2, ATM Transaction Requirements for MasterCard Credit Card Issuers Issuer Responsibilities to Cardholders 6.6 MC 6.2 Limitation of Liability of Cardholders for
Unauthorized Use 6.6.1
MC 6.3
Special Issuer Programs—General Requirements
6.7 MC 6.6, 6.6.4
Prior Consent of the Corporation 6.7.1 MC 6.6.1 Reservation of Rights 6.7.2 MC 6.6.2 Cardholder Communication 6.7.3 MC 6.6.3 Affinity and Co-Brand (A/CB) Card
Programs
6.8 MC 6.7
Compliance with the Standards 6.8.1 Deleted; see MC Rules 2.2, 2.1.2, 2.3
Program Approval 6.8.2 Deleted; see section 1.5, Card Design Manual; for Europe Region addition, see MC Rule 6.6.2 Ownership and Control of A/CB Programs 6.8.3 MC 6.7.1
Ownership of Receivables 6.8.4 MC 6.7.1 Prepaid Card Programs 6.9 MC 6.11 Responsibility for the Prepaid Card
Program 6.9.1
MC 6.11.1
Categories of Prepaid Card Programs 6.9.2 MC 6.11.2 Consumer Prepaid Card Programs 6.9.2.1 MC 6.11.2.1
Commercial Prepaid Card Programs 6.9.2.2 MC 6.11.2.2 Government Prepaid Card Programs 6.9.2.3 MC 6.11.2.3 Return of Unspent Value 6.9.3 MC 6.11.3 Consumer Prepaid Card Programs 6.9.3.1 MC 6.11.3.1 Commercial Prepaid Card Programs 6.9.3.2 MC 6.11.3.2 Government Prepaid Card Programs 6.9.3.3 MC 6.11.3.3
Value Loading 6.9.4 MC 6.11.4
Communications and Marketing Materials 6.9.5 MC 6.11.5 Anti-Money Laundering 6.9.6 Deleted; see
“Summary of Changes” Anonymous Prepaid Card Guidelines 6.9.7 MC 6.11.6
BINs 6.9.8 MC 6.11.7
Simplified Due Diligence Guidelines 6.9.9 MC 6.11.8 Service Provider Categories 7.1 MC 7.1 The Program and Performance of
Program Service
7.2 MC 7.2
Customer Responsibility and Control 7.2.1 MC 7.2.1 Notification to the Corporation 7.2.2 MC 7.2.2 Program Service Agreement 7.2.3 MC 7.2.3 Disclosure of Standards 7.2.4 MC 7.2.4 Customer Point of Contact 7.2.5 MC 7.2.5
Use of the Marks 7.2.6 MC 7.2.6
Service Provider Identification on a Card 7.2.7 MC 7.2.7 Program Materials 7.2.8 MC 7.2.8
Fees 7.2.9 MC 7.2.9
Data Security 7.2.11 MC 7.2.11 Transfer of Rights Prohibited 7.3 MC 7.4 Use of the Corporation’s Systems and
Confidential Information
7.4 MC 7.5
Acquiring Programs 7.5 MC 7.6
Access to Documentation 7.5.1 MC 7.6.3 Authority to Terminate ATM Owner
Agreement
7.5.2 MC 7.6.4
Issuing Programs 7.6 MC 7.7
Card Application Approval 7.6.1 MC 7.7.1 Cardholder Agreement 7.6.2 MC 7.7.2
Program Payments 7.6.3 MC 7.7.3
Program Receivables 7.6.4 MC 7.7.4 Registration Requirements for DSEs, ISOs,
and TPPs
7.7 MC 7.8
Registration of a Service Provider Registration Facilitator
7.8 MC 7.12
Service Provider Registration Noncompliance
7.9 MC 7.13
Prohibition from Acting as a Service Provider
7.10 MC 7.14
Termination of Program Service Agreement or De-registration
7.11 MC 7.15
Confidential Information of Service Providers
7.12 MC 7.16
Audits 7.13 MC 7.17
Chapter 8—Security See “Cross-Reference Chart—Maestro and Cirrus Security-related Rules,” Security Rules and Procedures
Connecting to the Interchange System 9.1 TP 1, Connecting to the Interchange System
Authorization Routing 9.1.1 TP 1, Authorization Routing—Mae-stro and Cirrus Transactions Chip Transaction Routing 9.1.2 TP 1, Chip
Transaction Routing ATM Connection to the Interchange
System
9.1.3 TP 1, ATM
Connection to the Interchange System
Gateway Processing 9.1.4 TP 1, Gateway Processing Transaction Types—Issuers 9.2 TP 2, Issuer
Authorization Requirements Transaction Types—Acquirers 9.3 TP 2, Acquirer
Authorization Requirements Eligible Terminals 9.4 TP 7, POI Terminal
Eligibility Terminal Requirements 9.5 TP 7, POI Terminal
ATMs 9.5.1 TP 7, ATM Terminal and PIN-based In-Branch Terminal Requirements; also see section 4.10, Security
Rules and Procedures
PIN-based In-Branch Terminals 9.5.2 TP 7, ATM Terminal and PIN-based In-Branch Terminal Requirements PIN Entry Device 9.5.3 See section
4.10, Security
Rules and Procedures
Function Key Recommendations 9.5.4 TP 7, POI Function Keys
Terminal Responses 9.5.5 TP 7, POI Terminal Responses Balance Inquiry 9.5.6 TP 2, Balance
Inquiries Hybrid Terminal Requirements 9.6 TP 7, Hybrid
POI Terminal Requirements Hybrid Terminal Application Selection 9.6.1 TP 7, Hybrid
POS Terminal Requirements
Terminal Transaction Processing 9.7 TP 7, ATM Terminal and PIN-based In-Branch Terminal Requirements; Hybrid ATM and PIN-based In-Branch Terminal Requirements Chip Transaction Processing 9.7.1 TP 3, ATM
Terminal and PIN-based In-Branch Terminal Transactions; 7, Hybrid ATM and PIN-based In-Branch Terminal Requirements POI Currency Conversion 9.8 TP 3, POI Currency
Conversion Euro Conversion—Timing 9.9 TP 2, Euro
Conversion Authorization Response Time—Issuers 9.10 TP 2, Authorization
Responses—Is-suers
Authorization Response Time—Acquirers 9.11 TP 2, Authorization Responses—Ac-quirers
Performance Standards 9.12 TP 2, Performance Standards—Is-suers
Issuer Failure Rate (Substandard Level 1) 9.12.1 TP 2, Performance Standards—Is-suers
Issuer Failure Rate (Substandard Level 2) 9.12.2 TP 2, Performance Standards—Is-suers
Calculation of the Issuer Failure Rate 9.12.3 TP 2, Performance Standards—Is-suers
Acquirer Failure Rate 9.12.4 TP 2, Performance Standards—Ac-quirers
Noncompliance Assessments for Substandard Performance 9.12.5 TP 2, Noncompliance Assessments for Substandard Performance Transaction Receipt Requirements 9.13 and subsections TP 3, Providing a Transaction Receipt
Terminal Transaction Log 9.14 TP 7, POI Terminal Transaction Log
MoneySend Payment Transactions 9.15 TP 6, MoneySend
Payment Transactions
MoneySend Payment Transaction
Requirements 9.15.1 TP 6, MoneySend Payment Trans- actions—Ac-quirer Re-quirements, MoneySend Payment Trans-action—Issuer Requirements Merchandise Transactions 9.16 and subsections TP 4, Merchandise
Transactions Chained Transactions 9.17 TP 4, Chained
Transactions ATM Transaction Branding 9.18 TP 4, ATM
Transaction Branding
ATM Access Fees 9.19 and subsections TP 4, ATM Access Fees
Shared Deposits—United States Region Only
9.20 TP 4, Shared De-posits—United States Region Only
Transaction Queries and Disputes 9.21 TP 2, Transaction Queries and Disputes Definitions 10.1 MC 8.1 Net Settlement 10.2 MC 8.2 Currency Conversion 10.2.1 MC 8.2.1 Settlement Finality 10.2.2 MC 8.2.3 Reconciliation 10.2.3 MC 8.2.4
Interchange and Service Fees 10.3 MC 8.3
Cost Studies 10.3.1 MC 8.3.1
Allocation of Expenses 10.3.1.1 MC 8.3.1.1 Noncompliance with a Cost Study 10.3.1.2 MC 8.3.1.2 Establishment of Intracountry Interchange
and Service Fees
10.4 MC 8.4
Default Intracountry Fees 10.4.1 MC 8.4.1 Intraregional Fees 10.4.2 MC 8.4.2 Bilateral Agreement 10.4.3 MC 8.4.3 Failure of a Principal Customer to
Discharge a Settlement Obligation
10.5 MC 8.5
System Liquidity 10.6 MC 8.8
Satisfaction of Minimum Financial Requirements
10.7 MC 1.3
Collateral Collection Through Settlement Accounts
10.8 Deleted; see MC
Fees, Assessments, and Other Payment Obligations
10.9 MC 3.8
Taxes and Other Charges 10.9.1 MC 3.8.1 Card Fees and Reporting Procedures 10.9.2 MC 3.8.2 Liability for Owned or Controlled Entities 10.10 MC 8.9
Risk of Loss 10.11 MC 8.10
Appendix A—Geographical Regions MC, TP See Appendix A Appendix B—Technical Specifications See section
3.9.5 and Appendix A,
Security Rules and Procedures
Appendix C—Signage, Screen, and Receipt Text Displays
TP See Appendix D (Note: former sections C.8 and C.9 are deleted)
Acquirer Host System Requirements—U.S. Region Only ... 1-1 Authorization Routing—MasterCard POS Transactions ... 1-1 Authorization Routing—Maestro POS, ATM Terminal, and PIN-based In-Branch Terminal Transactions ... 1-2
Routing Instructions and System Maintenance... 1-2 Chip Transaction Routing ... 1-2 Domestic Transaction Routing ... 1-3 ATM Terminal Connection to the Interchange System... 1-3 Gateway Processing... 1-3 POS Terminal Connection to the Interchange System ... 1-4 Variations and Additions by Region... 1-4 Asia/Pacific Region ... 1-4 ATM Terminal Connection to the Interchange System... 1-4 POS Terminal Connection to the Interchange System ... 1-4 Canada Region... 1-5 ATM Terminal Connection to the Interchange System... 1-5 Authorization Routing—Maestro POS, ATM Terminal, and PIN-based In-Branch
Terminal Transactions ... 1-5 Europe Region ... 1-5
Authorization Routing—Maestro POS, ATM Terminal, and PIN-based In-Branch
Terminal Transactions ... 1-6 Latin America and the Caribbean Region... 1-6 ATM Terminal Connection to the Interchange System... 1-6 POS Terminal Connection to the Interchange System ... 1-6 United States Region... 1-6 Connecting to the Interchange System ... 1-6 Acquirer Host System Requirements... 1-7 Authorization Routing—Maestro POS, ATM Terminal, and PIN-based In-Branch
Terminal Transactions ... 1-7 ATM Terminal Connection to the Interchange System... 1-8
Stand-In Processing Service ... 2-2 ATM Transaction Requirements for MasterCard Credit Card Issuers ... 2-3 Authorization Responses... 2-4 Performance Standards ... 2-4 Performance Standards—Acquirers... 2-5 Performance Standards—Issuers... 2-5 Preauthorizations ... 2-6 Final Authorizations ... 2-7 Message Reason Code 4808 Chargeback Protection Period... 2-7 Multiple Authorizations... 2-7 Full and Partial Reversals ... 2-8 Reversal for Conversion of Approval to Decline ... 2-8 Reversal to Cancel Transaction ... 2-9 Full and Partial Approvals and Account Balance Responses ... 2-9 Corrections... 2-10 Balance Inquiries ... 2-11 CVC 2 Verification for POS Transactions... 2-11 CVC 3 Verification for Maestro Contactless Magnetic Stripe Transactions—Brazil
Only... 2-11 Euro Conversion—Europe Region Only ... 2-11 Transaction Queries and Disputes ... 2-12 Chargebacks for Reissued Cards ... 2-12 Correction of Errors ... 2-12 Variations and Additions by Region... 2-12 Asia/Pacific Region ... 2-12 Acquirer Authorization Requirements ... 2-12 Issuer Authorization Requirements ... 2-12 Preauthorizations ... 2-13 Europe Region ... 2-13 Acquirer Authorization Requirements ... 2-13 Issuer Authorization Requirements ... 2-13 Performance Standards ... 2-13 Preauthorizations ... 2-14 Final Authorizations ... 2-15
Full and Partial Reversals ... 2-17 Full and Partial Approvals and Account Balance Responses ... 2-18 Balance Inquiries ... 2-19 CVC 2 Verification for POS Transactions... 2-19 Euro Conversion ... 2-20 Latin America and the Caribbean Region... 2-20
CVC 3 Verification for Maestro Contactless Magnetic Stripe Transactions—Brazil
Only... 2-21 United States Region... 2-21 Acquirer Authorization Requirements ... 2-21 Issuer Authorization Requirements ... 2-21 Performance Standards ... 2-23 Preauthorizations ... 2-23 Full and Partial Reversals ... 2-24 Full and Partial Approvals and Account Balance Responses ... 2-26 Balance Inquiries ... 2-26
Chapter 3
Acceptance Procedures ... 3-i
Merchant Acceptance Procedures ... 3-1 Cardholder Must Present a Card ... 3-1 Obtaining an Authorization for a MasterCard POS Transaction ... 3-3 MasterCard Cardholder Verification—PIN and Signature Requirements ... 3-8 Obtaining an Authorization for a Maestro POS Transaction ... 3-9 Maestro Cardholder Verification—PIN and Signature Requirements... 3-9 MasterCard Manual Cash Disbursement Acceptance Procedures... 3-11 ATM Terminal and PIN-based In-Branch Terminal Transactions ... 3-11 POI Currency Conversion ... 3-12 Multiple Transactions—MasterCard POS Transactions Only ... 3-13 Partial Payment—MasterCard POS Transactions Only ... 3-13 Specific Terms of a Transaction ... 3-14 Charges for Loss, Theft, or Damage—MasterCard POS Transactions Only ... 3-15 Providing a Transaction Receipt ... 3-15 POS Transaction Receipt Requirements ... 3-16 ATM and PIN-based In-Branch Terminal Transaction Receipt Requirements ... 3-18 Primary Account Number (PAN) Truncation and Expiration Date Omission ... 3-18